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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $70,148 | $109,782-36.1% | $260,467-73.1% | $94,015-25.4% |
| Participation rate | 69.7% | 67.2%+2.5pp | 80.5%-10.8pp | 70.8%-1.1pp |
| Annual return | 9.56% | 18.60%-9.0pp | 100.60%-91.0pp | 17.84%-8.3pp |
| Employer contribution / active EE | $0 | $2,147-100.0% | $4,239-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $4,496 | $4,044+11.2% | $6,319-28.9% | $4,249+5.8% |
| Admin fee / account holder | $2,899 | $11,958-75.8% | $15,461-81.3% | $8,951-67.6% |